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Trust Finance Indonesia

Trust Finance's net profit rose 30.9% yoy to IDR 5.45 bil in 3Q2019

By Helgi Library - March 4, 2020

Trust Finance Indonesia made a net profit of IDR 5.45 bil under revenues of IDR 11.6 bil in the third quarter of 2019, up 30.9% and ...

Trust Finance's net profit rose 30.9% yoy to IDR 5.45 bil in 3Q2019

By Helgi Library - March 4, 2020

Trust Finance Indonesia made a net profit of IDR 5.45 bil under revenues of IDR 11.6 bil in the third quarter of 2019, up 30.9% and ...

Trust Finance's price/earnings (P/E) rose 43.8% yoy to 13.0 in 3Q2019

By Helgi Library - March 4, 2020

Trust Finance Indonesia stock traded at IDR 354 per share at the end third quarter of 2019 implying a market capitalization of USD 20.0 mil. ...

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Annual Quarterly LTM

Profit Statement		2016	2017	2018
Net Interest Income	IDR bil	28.7	34.1	40.9
Net Fee Income	IDR bil	0	0	0
Other Income	IDR bil	2.62	2.27	0.840
Total Revenues	IDR bil	31.3	36.4	41.7
Staff Cost	IDR bil	11.3	12.2	12.2
Operating Profit	IDR bil	13.3	17.0	23.0
Provisions	IDR bil	0	0	0
Net Profit	IDR bil	10.6	13.3	17.6

Balance Sheet		2016	2017	2018
Customer Loans	IDR bil	130	217	249
Total Assets	IDR bil	268	282	311
Shareholders' Equity	IDR bil	235	249	267
Interbank Borrowing	IDR bil	0	8.39	25.6
Customer Deposits	IDR bil	0	0	0
Issued Debt Securities	IDR bil	0	0	0

Ratios		2016	2017	2018
ROE	%	4.64	5.51	6.84
ROA	%	3.82	4.85	5.95
Costs (As % Of Assets)	%	6.46	7.07	6.33
Costs (As % Of Income)	%	57.4	53.4	45.0
Net Interest Margin	%	10.3	12.4	13.8
NPLs (As % Of Loans)	%	...	...	...
Provisions (As % Of NPLs)	%	...	...	...

Valuation		2016	2017	2018
Price/Earnings (P/E)		14.4	7.79	12.3
Price/Book Value (P/BV)		0.653	0.418	0.816
Dividend Yield	%	0	0	...
Earnings Per Share (EPS)	IDR	13.3	16.7	22.0
Book Value Per Share	IDR	294	311	333
Dividend Per Share	IDR	0	0	...

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summary
income statement
balance sheet
ratios
other data

summary	Unit	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Net Interest Income	IDR bil														43.4	35.7	27.8	26.4	28.7
Total Revenues	IDR bil														49.6	41.3	33.2	30.5	31.3
Operating Profit	IDR bil														28.9	20.9	13.5	11.2	13.3
Net Profit	IDR bil														21.6	15.7	10.1	9.49	10.6
balance sheet
Customer Loans	IDR bil														404	317	242	254	130
Total Assets	IDR bil														421	336	267	289	268
Shareholders' Equity	IDR bil														188	204	213	224	235
Interbank Borrowing	IDR bil														214	110	18.3	8.29	0
Customer Deposits	IDR bil														0	0	0	0	0
Issued Debt Securities	IDR bil														0	0	0	0	0
ratios
ROE	%	...													12.2	8.00	4.87	4.34	4.64
ROA	%	...													5.27	4.14	3.37	3.41	3.82
Costs (As % Of Assets)	%	...													5.05	5.40	6.54	6.97	6.46
Costs (As % Of Income)	%														41.7	49.5	59.4	63.5	57.4
Net Interest Margin	%	...													10.6	9.43	9.22	9.49	10.3
Interest Income (As % Of Revenues)	%														87.5	86.4	83.8	86.4	91.6
Fee Income (As % Of Revenues)	%														-0.272	0	0	0	0
Staff Cost (As % Of Total Cost)	%														61.2	67.9	58.1	63.5	62.8
Equity (As % Of Assets)	%														44.7	60.6	79.9	77.5	87.6
Loans (As % Assets)	%														95.9	94.3	90.7	87.9	48.5
NPLs (As % Of Loans)	%	...	...	...	...										0.017	0.022	0.029	0.027	...	...	...
Provisions (As % Of NPLs)	%	...	...	...	...										51,985	33,539	30,717	31,550	...	...	...
valuation
Market Capitalisation (End Of Period)	USD mil	...	...	...			...				...	...	...		21.2	14.3	27.3	11.4	11.3
Number Of Shares (Average)	mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	800	1,600	800	800
Share Price (End Of Period)	IDR	...	...	...											255	218	211	198	192
Earnings Per Share (EPS)	IDR	...	...	...	...	...	...	...	...	...	...	...	...	...	...	19.6	6.34	11.9	13.3
Book Value Per Share	IDR	...	...	...	...	...	...	...	...	...	...	...	...	...	...	255	133	280	294
Dividend Per Share	IDR	...	...	...											0	0	0	0	0		...
Price/Earnings (P/E)		...	...	...	...	...	...	...	...	...	...	...	...	...	...	11.1	33.3	16.7	14.4
Price/Book Value (P/BV)		...	...	...	...	...	...	...	...	...	...	...	...	...	...	0.856	1.58	0.706	0.653
Dividend Yield	%	...	...	...											0	0	0	0	0		...
Earnings Per Share Growth	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	-67.6	87.1	12.2
Book Value Per Share Growth	%	...													-12.1	-17.8	-47.7	110	4.84

income statement	Unit	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Interest Income	IDR bil														72.4	55.3	37.1	30.9	33.0
Interest Cost	IDR bil														29.0	19.6	9.29	4.55	4.30
Net Interest Income	IDR bil														43.4	35.7	27.8	26.4	28.7
Net Fee Income	IDR bil														-0.135	0	0	0	0
Other Income	IDR bil														6.34	5.61	5.39	4.15	2.62
Total Revenues	IDR bil														49.6	41.3	33.2	30.5	31.3
Staff Cost	IDR bil														12.7	13.9	11.4	12.3	11.3
Depreciation	IDR bil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	1.67
Other Cost	IDR bil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	5.03
Operating Cost	IDR bil														20.7	20.4	19.7	19.4	18.0
Operating Profit	IDR bil														28.9	20.9	13.5	11.2	13.3
Provisions	IDR bil														0.065	0	0	0	0
Extra and Other Cost	IDR bil														0.135	0	0	< 0.001	0
Pre-Tax Profit	IDR bil														28.7	20.9	13.5	11.2	13.3
Tax	IDR bil														7.16	5.20	3.33	1.67	2.70
Minorities	IDR bil														0	0	0	0	0
Net Profit	IDR bil														21.6	15.7	10.1	9.49	10.6
Dividends	IDR bil														0	0	0	0	0		...
growth rates
Net Interest Income Growth	%	...													-12.1	-17.8	-22.1	-5.04	8.85
Net Fee Income Growth	%	...													23.3	-100	...	...	...	...	...
Total Revenue Growth	%	...													-0.087	-16.8	-19.7	-7.94	2.62
Operating Cost Growth	%	...													1.05	-1.18	-3.59	-1.63	-7.14
Operating Profit Growth	%	...													-0.881	-27.9	-35.4	-17.2	19.6
Pre-Tax Profit Growth	%	...													1.49	-27.4	-35.4	-17.2	19.6
Net Profit Growth	%	...													1.51	-27.4	-35.3	-6.43	12.2
market share
Market Share in Revenues	%	...	...	...	...	...	...								0.016	0.012	0.008	0.007	0.006		...
Market Share in Net Profit	%	...	...	...	...	...	...								0.022	0.014	0.009	0.010	0.011		...

balance sheet	Unit	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
balance sheet
Cash	IDR bil														5.40	10.0	17.0	27.7	46.6
Customer Loans	IDR bil														404	317	242	254	130
Retail Loans	IDR bil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	154
Fixed Assets	IDR bil														11.2	8.31	7.06	5.69	9.06
Intangible Assets	IDR bil														0	0	0	0	0
Goodwill	IDR bil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	0
Total Assets	IDR bil														421	336	267	289	268
Shareholders' Equity	IDR bil														188	204	213	224	235
Of Which Minority Interest	IDR bil														0	0	0	0	0
Liabilities	IDR bil														233	132	53.7	65.1	33.1
Interbank Borrowing	IDR bil														214	110	18.3	8.29	0
Customer Deposits	IDR bil														0	0	0	0	0
Issued Debt Securities	IDR bil														0	0	0	0	0
Other Liabilities	IDR bil														18.5	21.8	35.4	56.8	33.1
asset quality
Non-Performing Loans	IDR bil	...	...	...	...										0.076	0.076	0.076	0.076	...	...	...
Gross Loans	IDR bil														443	342	266	279	154
Total Provisions	IDR bil														39.7	25.6	23.5	24.1	23.3
growth rates
Customer Loan Growth	%	...													5.73	-21.5	-23.6	5.08	-48.8
Retail Loan Growth	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...
Total Asset Growth	%	...													5.72	-20.2	-20.6	8.45	-7.28
Shareholders' Equity Growth	%	...													13.0	8.34	4.65	5.24	4.84
market share
Market Share in Customer Loans	%	...	...	...	...	...									0.014	0.009	0.006	0.006	0.003		...
Market Share in Consumer Loans	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	0.007		...
Market Share in Total Assets	%														0.010	0.007	0.005	0.005	0.004		...
Market Share in Customer Deposits	%														0	0	0	0	0		...

ratios	Unit	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
ratios
ROE	%	...													12.2	8.00	4.87	4.34	4.64
ROA	%	...													5.27	4.14	3.37	3.41	3.82
Costs (As % Of Assets)	%	...													5.05	5.40	6.54	6.97	6.46
Costs (As % Of Income)	%														41.7	49.5	59.4	63.5	57.4
Net Interest Margin	%	...													10.6	9.43	9.22	9.49	10.3
Interest Spread	%	...													5.19	3.88	2.32	3.47	3.09
Asset Yield	%	...													17.7	14.6	12.3	11.1	11.8
Cost Of Liabilities	%	...													12.5	10.7	9.99	7.65	8.76
Payout Ratio	%														0	0	0	0	0		...
Interest Income (As % Of Revenues)	%														87.5	86.4	83.8	86.4	91.6
Fee Income (As % Of Revenues)	%														-0.272	0	0	0	0
Other Income (As % Of Revenues)	%														12.8	13.6	16.2	13.6	8.35
Cost Per Employee	USD per month	...	...	...											1,293	1,181	836	825	935
Cost Per Employee (Local Currency)	IDR per month	...	...	...											12,128,000	12,301,000	10,259,700	10,800,300	12,725,100
Staff Cost (As % Of Total Cost)	%														61.2	67.9	58.1	63.5	62.8
Equity (As % Of Assets)	%														44.7	60.6	79.9	77.5	87.6
Loans (As % Assets)	%														95.9	94.3	90.7	87.9	48.5
NPLs (As % Of Loans)	%	...	...	...	...										0.017	0.022	0.029	0.027	...	...	...
Provisions (As % Of NPLs)	%	...	...	...	...										51,985	33,539	30,717	31,550	...	...	...
Provisions (As % Of Loans)	%														9.84	8.09	9.69	9.47	17.9
Cost of Provisions (As % Of Loans)	%	...													0.016	0	0	0	0

other data	Unit	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
other data
Employees		...	...	...											87.0	94.0	93.0	95.0	74.0
Return on Loans	%														5.49	4.35	3.63	3.82	5.54
Operating Profit (As % of Loans)	%	...													7.37	5.79	4.82	4.50	6.94
Costs (As % Of Loans)	%	...													5.27	5.67	7.05	7.81	9.36
Equity (As % Of Loans)	%														46.6	64.3	88.0	88.2	181

Get all company financials in excel:

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Trust Finance Indonesia in Quarterly Numbers
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Trust Finance Indonesia in Numbers
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Trust Finance's price/earnings (P/E) rose 43.8% yoy to 13.0 in 3Q2019

By Helgi Library - March 4, 2020

Trust Finance Indonesia stock traded at IDR 354 per share at the end third quarter of 2019 implying a market capitalization of USD 20.0 mil. Since the end of 3Q2014, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value...

Trust Finance Indonesia - Market Share in Bank Deposits

By Helgi Library - March 4, 2020

Trust Finance Indonesia's customer deposits reached IDR 0 bil in 2016-09-30, down 0% compared to the previous year. Indonesian banking sector accepted customer deposits of IDR 4,301,214 bil in 2016-09-30, up 0.514% when compared to the last year. Trust Fi...

Trust Finance Indonesia - Market Share in Bank Deposits

By Helgi Library - March 4, 2020

Trust Finance's net interest margin rose 12.2% yoy to 14.4% in 3Q2019

By Helgi Library - March 4, 2020

Trust Finance Indonesia's net interest margin amounted to 14.4% in the third quarter of 2019, down from 16.8% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 22.6% in 4Q2009 and an all time low ...

Trust Finance's net interest margin rose 12.2% yoy to 14.4% in 3Q2019

By Helgi Library - March 4, 2020

Trust Finance's market capitalisation (end of period) rose 98.0% yoy to USD 20.0 mil in 3Q2019

By Helgi Library - March 4, 2020

Trust Finance Indonesia stock traded at IDR 354 per share at the end of third quarter of 2019 implying a market capitalization of USD 20.0 mil. Over the last five years, the stock has appreciated by 0 implying an annual average growth of 0% In absolute te...

Trust Finance's market capitalisation (end of period) rose 98.0% yoy to USD 20.0 mil in 3Q2019

By Helgi Library - March 4, 2020

Trust Finance's net interest income rose 14.4% yoy to IDR 11.0 bil in 3Q2019

By Helgi Library - March 4, 2020

Trust Finance Indonesia generated total banking revenues of IDR 11.6 bil in the third quarter of 2019, up 18.5% when compared to the same period of last year and down 9.72% when compared to the previous quarter. Historically, the bank’s revenues c...

Trust Finance's net interest income rose 14.4% yoy to IDR 11.0 bil in 3Q2019

By Helgi Library - March 4, 2020

Trust Finance's equity (as % of assets) rose 4.79% yoy to 90.8% in 3Q2019

By Helgi Library - March 4, 2020

Trust Finance Indonesia's Equity reached 90.8% of total assets in the 3Q2019, up from 86.7% for the previous year. As a share of net customer loans, the ratio amounted to 118% at the end of the third quarter of 2019. ...

More News

Finance

Trust Finance Indonesia has been growing its revenues and asset by 11.0% and 2.44% a year on average in the last 3 years. Its loans and deposits have grown by -0.747% and % a year during that time and loans to deposits ratio reached at the end of 2018. The company achieved an average return on equity of 5.66% in the last three years with net profit growing 22.9% a year on average. In terms of operating efficiency, its cost to income ratio reached 45.0% in 2018, compared to 51.9% average in the last three years.

Equity represented 85.7% of total assets or 107% of loans at the end of 2018. Trust Finance Indonesia's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2018.

Valuation

Trust Finance Indonesia stock traded at IDR 272 per share at the end of 2018 resulting in a market capitalization of USD 15.1 mil. Over the previous five years, stock price rose by 24.8% or 4.53% a year on average. That’s compared to an average ROE of 5.24% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 12.3x and price to book value (PBV) of 0.816x in 2018.

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